The corresponding policy background is that on June 5438+February 3, 2020, the Central Bank and the China Banking Regulatory Commission jointly issued the Notice on Establishing the Management System of Real Estate Loan Concentration of Banking Financial Institutions (hereinafter referred to as the Notice). Divide banks into five grades, and set an upper limit on the proportion of real estate loans and personal housing loans of banks at each grade to the total loans of the bank. However, housing lease-related loans are not included in the statistics for the time being, and local regulators are allowed to raise the upper limit of tier 3, 4 and 5 banks by 2.5 percentage points.
Consumption is leading.
For example, during the anniversary of China Merchants Bank's lightning loan, new and old customers can get a 30% discount coupon at 202118-22, and the promotion language reads "The annual interest rate after discount is 3. % ",which means that the highest annualized interest rate may not exceed 4%. In addition, new users can grab a 10% discount coupon every Monday, with a limit of 4,000 coupons each time. The maximum amount of lightning loan of China Merchants Bank is 300,000 yuan.
Bank of Nanjing Shanghai Branch launched a one-year exclusive consumer loan for new customers. From 202 1 1 1 to the first week of 7, you can enjoy the lowest preferential annual interest rate of 4.8%. As long as you pay the provident fund normally, you can apply for paperless across the board.
The credit loan product "Huimin Loan" of Bank of Communications is also called "New Year Red Packet", with a minimum annual interest rate of 4.32% and a maximum loan of 200,000 yuan.
Good people's loans of online banking network also made a "big interest rate cut at the end of the year" campaign to publicize the lowest interest rate between China and Japan of 0.0 15%, which is equivalent to an annualized interest rate of 5.475% and the highest interest rate of 500,000.
For example, from 65438+ 10 month 1, Bank of Communications "Pratt & Whitney; Whitney e loan recommends friends to apply for bonus coupons, up to 50 thousand yuan. This is an online loan for small and micro enterprises, which can be used as a credit loan or a mortgage loan.
For banks, doing more consumer loans and micro-loans is the result of policy orientation.
Recently, the central bank and the China Banking Regulatory Commission released good news about these two kinds of loans. Five ministries and commissions of the central bank recently issued a notice to suspend the implementation of the policy of repaying the principal and interest of inclusive loans. Whitney's small and micro enterprise loans ended on March 3 1, 202 1. For Pratt &; Amp202 1 year 11October1March 3 1 Whitney loans for small and micro enterprises are "fully postponed" according to the principle of marketization, and the banks and enterprises will decide through independent consultation to continue to postpone the repayment of principal and interest in installments; Pratt & Whitney's support policy; Whitney enterprise credit loans will be extended to March 3 1, 202 1. For the newly released Pratt &; For Huimin enterprise credit loans, a qualified local corporate banking financial institution, the People's Bank of China will continue to provide preferential financial support through monetary policy tools. The scope of support is 20211/kloc-0 to March1March for new loans with a term of not less than 6 months, accounting for 40% of the loan principal, and the total amount of funds is controlled within the refinancing quota approved by the State Council.
Recently, the 12 department issued "Several Measures on Boosting Key Consumption of Bulk Consumption and Promoting the Release of Rural Consumption Potential", encouraging financial institutions to increase financial support for market players in the circulation industry, especially small and micro enterprises and individual industrial and commercial households, and increase mortgage-free and unsecured credit loans. Encourage financial institutions to standardize and innovate consumer credit products and services under the premise of legal compliance and controllable risks, and increase credit support for residents to purchase green smart products such as new energy vehicles, green smart home appliances, smart homes and water-saving appliances. Encourage relevant insurance institutions to provide risk protection for enterprises to carry out credit sales.
I don't want a mortgage.
Sunrise in the east and rain in the west, 65438+ 10 is generally the most relaxed time for bank loans every year, but this year is somewhat unusual.
"At the end of last year, when the quota was not enough, many customers did not lend money. As an r
The above-mentioned big bankers said that the bank has not yet touched the red line of mortgage supervision, but this year's credit indicators will obviously be much tighter than last year.
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